Do they use different terms for the coverage in different states?
In the places I’ve lived, you have to have what’s called liability insurance at a minimum, and that’s the one that covers other people’s property but not your own.
Around here, collision coverage is to reimburse you for damage to your own car/property in the event of an accident (collision with another vehicle), and comprehensive coverage is to handle some of the other non-collision damage (like from hail).
In most US states you’re required to carry at least
CollisionLiability Coverage that covers other people and property but not your own.When financing a car the company usually requires the more expensive Comprehensive Coverage instead of only
CollisionLiability.Virginia does have an annual uninsured motorist fee for now but that’s going away soon from what I know.
Do they use different terms for the coverage in different states?
In the places I’ve lived, you have to have what’s called liability insurance at a minimum, and that’s the one that covers other people’s property but not your own.
Around here, collision coverage is to reimburse you for damage to your own car/property in the event of an accident (collision with another vehicle), and comprehensive coverage is to handle some of the other non-collision damage (like from hail).
You’re right, liability was the word I meant. Edited my post thanks.